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ALERUS FINANCIAL CORP（ALRS）与WEBSTER FINANCIAL CORP（WBS）财务数据对比。点击上方公司名可切换其他公司
WEBSTER FINANCIAL CORP的季度营收约是ALERUS FINANCIAL CORP的1.3倍（$58.7M vs $45.2M）。WEBSTER FINANCIAL CORP净利率更高（435.9% vs -73.2%，领先509.0%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs -0.2%）。WEBSTER FINANCIAL CORP自由现金流更多（$301.8M vs $15.3M）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs -4.2%）
阿勒鲁斯金融公司（品牌简称Alerus）是一家连锁金融机构，总部位于北达科他州大福克斯，网点分布在北达科他、明尼苏达、威斯康星与亚利桑那州，为客户提供银行、抵押贷款、财富管理以及退休规划等多种金融服务。
韦伯斯特银行是总部位于美国康涅狄格州斯坦福德的商业银行，业务覆盖康涅狄格州、马萨诸塞州、罗德岛州、新泽西州，以及纽约州的威彻斯特、奥兰治、阿尔斯特、罗克兰县和纽约市，共设有177家营业网点和316台自动柜员机。
ALRS vs WBS — 直观对比
营收规模更大
WBS
是对方的1.3倍
$45.2M
营收增速更快
ALRS
高出18.2%
-0.2%
净利率更高
WBS
高出509.0%
-73.2%
自由现金流更多
WBS
多$286.5M
$15.3M
两年增速更快
ALRS
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $58.7M |
| 净利润 | $-33.1M | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | — |
| 净利率 | -73.2% | 435.9% |
| 营收同比 | 18.0% | -0.2% |
| 净利润同比 | -49232.8% | 43.9% |
| 每股收益（稀释后） | $-1.27 | $1.54 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ALRSWBS
| Q4 25 | $45.2M | $58.7M | ||
| Q3 25 | $43.1M | $59.1M | ||
| Q2 25 | $43.0M | $59.4M | ||
| Q1 25 | $41.2M | $60.8M | ||
| Q4 24 | $38.3M | $58.8M | ||
| Q3 24 | $22.5M | $61.1M | ||
| Q2 24 | $24.0M | $61.8M | ||
| Q1 24 | $22.2M | $64.0M |
净利润ALRSWBS
| Q4 25 | $-33.1M | $255.8M | ||
| Q3 25 | $16.9M | $261.2M | ||
| Q2 25 | $20.3M | $258.8M | ||
| Q1 25 | $13.3M | $226.9M | ||
| Q4 24 | $-67.0K | $177.8M | ||
| Q3 24 | $5.2M | $193.0M | ||
| Q2 24 | $6.2M | $181.6M | ||
| Q1 24 | $6.4M | $216.3M |
营业利润率ALRSWBS
| Q4 25 | -96.0% | — | ||
| Q3 25 | 51.1% | — | ||
| Q2 25 | 61.2% | — | ||
| Q1 25 | 42.7% | — | ||
| Q4 24 | -0.8% | — | ||
| Q3 24 | 30.2% | — | ||
| Q2 24 | 33.9% | — | ||
| Q1 24 | 38.4% | — |
净利率ALRSWBS
| Q4 25 | -73.2% | 435.9% | ||
| Q3 25 | 39.2% | 442.3% | ||
| Q2 25 | 47.1% | 435.6% | ||
| Q1 25 | 32.4% | 373.4% | ||
| Q4 24 | -0.2% | 302.4% | ||
| Q3 24 | 23.1% | 316.0% | ||
| Q2 24 | 25.9% | 293.7% | ||
| Q1 24 | 28.9% | 338.0% |
每股收益（稀释后）ALRSWBS
| Q4 25 | $-1.27 | $1.54 | ||
| Q3 25 | $0.65 | $1.54 | ||
| Q2 25 | $0.78 | $1.52 | ||
| Q1 25 | $0.52 | $1.30 | ||
| Q4 24 | $-0.06 | $1.01 | ||
| Q3 24 | $0.26 | $1.10 | ||
| Q2 24 | $0.31 | $1.03 | ||
| Q1 24 | $0.32 | $1.23 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $67.2M | — |
| 总债务越低越好 | $59.2M | $739.5M |
| 股东权益账面价值 | $564.9M | $9.5B |
| 总资产 | $5.2B | $84.1B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资ALRSWBS
| Q4 25 | $67.2M | — | ||
| Q3 25 | $92.0M | — | ||
| Q2 25 | $80.9M | — | ||
| Q1 25 | $83.0M | — | ||
| Q4 24 | $61.2M | — | ||
| Q3 24 | $66.0M | — | ||
| Q2 24 | $438.1M | — | ||
| Q1 24 | $545.8M | — |
总债务ALRSWBS
| Q4 25 | $59.2M | $739.5M | ||
| Q3 25 | $59.2M | $1.2B | ||
| Q2 25 | $59.1M | $905.6M | ||
| Q1 25 | $59.1M | $907.4M | ||
| Q4 24 | $59.1M | $909.2M | ||
| Q3 24 | $59.0M | $911.0M | ||
| Q2 24 | $59.0M | $912.7M | ||
| Q1 24 | $59.0M | $914.5M |
股东权益ALRSWBS
| Q4 25 | $564.9M | $9.5B | ||
| Q3 25 | $550.7M | $9.5B | ||
| Q2 25 | $533.2M | $9.3B | ||
| Q1 25 | $514.2M | $9.2B | ||
| Q4 24 | $495.4M | $9.1B | ||
| Q3 24 | $386.5M | $9.2B | ||
| Q2 24 | $373.2M | $8.8B | ||
| Q1 24 | $371.6M | $8.7B |
总资产ALRSWBS
| Q4 25 | $5.2B | $84.1B | ||
| Q3 25 | $5.3B | $83.2B | ||
| Q2 25 | $5.3B | $81.9B | ||
| Q1 25 | $5.3B | $80.3B | ||
| Q4 24 | $5.3B | $79.0B | ||
| Q3 24 | $4.4B | $79.5B | ||
| Q2 24 | $4.4B | $76.8B | ||
| Q1 24 | $4.3B | $76.2B |
负债/权益比ALRSWBS
| Q4 25 | 0.10× | 0.08× | ||
| Q3 25 | 0.11× | 0.13× | ||
| Q2 25 | 0.11× | 0.10× | ||
| Q1 25 | 0.11× | 0.10× | ||
| Q4 24 | 0.12× | 0.10× | ||
| Q3 24 | 0.15× | 0.10× | ||
| Q2 24 | 0.16× | 0.10× | ||
| Q1 24 | 0.16× | 0.10× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $16.3M | $317.6M |
| 自由现金流经营现金流 - 资本支出 | $15.3M | $301.8M |
| 自由现金流率自由现金流/营收 | 33.9% | 514.2% |
| 资本支出强度资本支出/营收 | 2.3% | 26.9% |
| 现金转化率经营现金流/净利润 | — | 1.24× |
| 过去12个月自由现金流最近4个季度 | $58.8M | $1.0B |
8季度趋势，按日历期对齐
经营现金流ALRSWBS
| Q4 25 | $16.3M | $317.6M | ||
| Q3 25 | $32.8M | $374.7M | ||
| Q2 25 | $10.7M | $270.9M | ||
| Q1 25 | $7.7M | $94.9M | ||
| Q4 24 | $2.3M | $891.3M | ||
| Q3 24 | $20.2M | $45.3M | ||
| Q2 24 | $-12.5M | $224.0M | ||
| Q1 24 | $11.7M | $243.7M |
自由现金流ALRSWBS
| Q4 25 | $15.3M | $301.8M | ||
| Q3 25 | $30.3M | $362.5M | ||
| Q2 25 | $7.6M | $257.7M | ||
| Q1 25 | $5.7M | $86.6M | ||
| Q4 24 | $-2.7M | $879.0M | ||
| Q3 24 | $17.4M | $35.3M | ||
| Q2 24 | $-16.1M | $215.6M | ||
| Q1 24 | $10.8M | $238.6M |
自由现金流率ALRSWBS
| Q4 25 | 33.9% | 514.2% | ||
| Q3 25 | 70.3% | 613.7% | ||
| Q2 25 | 17.6% | 433.6% | ||
| Q1 25 | 13.8% | 142.5% | ||
| Q4 24 | -7.1% | 1495.2% | ||
| Q3 24 | 77.3% | 57.8% | ||
| Q2 24 | -67.3% | 348.6% | ||
| Q1 24 | 48.7% | 372.8% |
资本支出强度ALRSWBS
| Q4 25 | 2.3% | 26.9% | ||
| Q3 25 | 5.7% | 20.7% | ||
| Q2 25 | 7.3% | 22.2% | ||
| Q1 25 | 5.0% | 13.7% | ||
| Q4 24 | 13.2% | 21.0% | ||
| Q3 24 | 12.3% | 16.4% | ||
| Q2 24 | 15.4% | 13.6% | ||
| Q1 24 | 4.0% | 7.9% |
现金转化率ALRSWBS
| Q4 25 | — | 1.24× | ||
| Q3 25 | 1.94× | 1.43× | ||
| Q2 25 | 0.53× | 1.05× | ||
| Q1 25 | 0.58× | 0.42× | ||
| Q4 24 | — | 5.01× | ||
| Q3 24 | 3.88× | 0.23× | ||
| Q2 24 | -2.01× | 1.23× | ||
| Q1 24 | 1.82× | 1.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ALRS
| Other | $17.3M | 38% |
| Retirement And Benefit Services | $17.3M | 38% |
| Wealth Management | $7.4M | 16% |
| Mortgage Banking | $3.2M | 7% |
WBS
暂无分部数据
